| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1515 20TH ST BAKERSFIELD, CA 92868 | UNITED HEALTHCARE | $37K | $0 | $37K | 5.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATION INC | 721 S PARKER ST STE 300 ORANGE, CA 92868 | UNITED HEALTHCARE | $15K | $0 | $15K | 2.18% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1515 20TH ST BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $0 | $5K | 10.13% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1515 20TH ST BAKERSFIELD, CA 92868 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $795 | $136 | $931 | 11.71% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1515 20TH ST BAKERSFIELD, CA 93301 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA INC | $581 | $0 | $581 | 9.95% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1515 20TH ST BAKERSFIELD, CA 92868 | UNITED OF OMAHA LIFE INSURANCE | $375 | $135 | $510 | 13.61% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1515 20TH ST BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | — |
| CHRISTINE A MILLER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $292 | $1K | — |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | $416 | $929 | — |
| ANDREA MARIE TIERCE3 | 2204 PLEASENTWOOD LN ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $601 | $205 | $806 | — |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $69 | $539 | — |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | $145 | $364 | — |
| TOHNIA FIELDS3 | 875 INGA RD NIPOMO, CA 93444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $12 | $286 | — |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $8 | $251 | — |
| VINCENT GERARD MCLAUGHLIN3 | 30310 HORSETHIEF DR TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $57 | $170 | — |
| SUSAN GIFFORD-BLUMERT3 Filed as: SUSAN GLIFFORD-BLUMERT | 2935 KILAINE DR SIMI VALLEY, CA 93063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $23 | $154 | — |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S FRANKWOOD AVE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $1 | $125 | — |
| ANTONIO JOSE ANGELES3 | 1127 KOCH LANE SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $1 | $115 | — |
| LORRIE ANN RODRIGUEZ3 | 6505 N CORNELIA AVE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | — |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $30 | $54 | — |
| DARYL W. VIDOR3 Filed as: DARYL W VIDOR | 104 PIONEER DR FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $16 | $51 | — |
| ADELINA GUADALUPE ORTIZ3 | 22000 GOLDEN STAR BLVD TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $21 | $49 | — |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 8385 N RAISINA AVE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | — |
| MARDEIO CANNON3 | 5027 DYNASTY WAY SACRAMENTO, CA 95835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $1 | $36 | — |
| SANDRA E GONZALEZ3 | 2037 W BULLARD AVE FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | — |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | — |
| GRANT P LUBIN3 | 3822 N 102ND ST WAUWATOSA, WI 53222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | — |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 821 BURLINGTON ST FILMORE, CA 93015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $4 | $13 | — |
| DAWN JENKINS LONG3 | 1840 ROCK SPRING ST NEWBURY PARK, CA 91320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | — |
| CATHERINE LISA LUKE3 | 1922 THE ALAMEDA STE 212 SAN JOSE, CA 95126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | — |
| STERLING WEALTH MANAGEMENT LLC3 Filed as: STERLING WEALTH MANAGEMENT | C/O CHARLES JAEGER BROOKFIELD, WI 53045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 183 | $678K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 123 | $60K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $12K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.